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Zenith Bank Plc was established in May 1990 by Jim Ovia, CFR and commenced operations in July of the same year as a commercial bank. The Bank became a public limited company on June 17, 2004, and was listed on the Nigerian Stock Exchange (NSE) –now rebranded as Nigerian Exchange Group (NGX), on October 21, 2004, following a highly successful Initial Public Offering IPO). Since its inception, the bank has grown to become Nigeria's largest and one of Africa's largest financial institutions by tier-1 capital, with shareholders' funds totalling NGN4.9 trillion as at 31st December, 2025.
It is headquartered in Lagos, Nigeria. With over four hundred (400) branches and business offices nationwide, Zenith Bank has presence in all the state capitals, the Federal Capital Territory (FCT) and major towns and metropolitan centres in Nigeria. The Bank's expansion is not limited to Nigeria as Zenith Bank PLC became the first Nigerian bank in 25 years to be licensed by the Financial Services Authority (FSA) in the UK for the commencement of banking operations by Zenith Bank (UK) Limited in April 2007, with branches in Dubai, Manchester and Paris. This is in addition to its presence in Ghana, Zenith Bank (Ghana) Limited, Sierra Leone, Zenith Bank (Sierra Leone) Limited, Gambia, Zenith Bank (Gambia) Limited, Côte d'Ivoire, Zenith Bank (Côte d'Ivoire) Limited and a representative office in Beijing, China.